Does the First Access Credit Card give credit increases? This question is about the First Access Visa® Card

Yes, the First Access Visa® Card does give credit limit increases if your account has been open for at least 12 months. First Access may offer an increase after the first year if your account is in good standing, or you can request a higher credit line by calling (888) 267-7980. Key Things to Know about Getting a First Access Card Credit Limit Increase You can only request a credit limit increase after you’ve had the card for at least 12 months. First Access may offer a credit limit increase after the first year, if your account is in good standing. The credit limit increase will not take effect automatically. You must first accept the offer and agree to pay a credit limit increase fee. The First Access Card credit limit increase fee is equal to 20% of the increase amount. For example, if your credit limit is increased by $100, you will be charged a $20 fee, which will leave you with $80 in additional available credit on your account. Once you accept a credit limit increase offer, the fee is added to your total balance. To improve your chances of getting a higher credit line for the First Access Card, make on-time payments and keep your balance well under your current spending limit. For more tips, check out WalletHub’s guide on how to increase your credit limit.

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Does the First Access Credit Card give credit increases?

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This question is about the First Access Visa® Card

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Chip Lupo, Credit Card Writer

@CLoop • 01/16/23 This answer was first published on 01/16/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, the First Access Visa® Card does give credit limit increases if your account has been open for at least 12 months. First Access may offer an increase after the first year if your account is in good standing, or you can request a higher credit line by calling (888) 267-7980.

Key Things to Know about Getting a First Access Card Credit Limit Increase

You can only request a credit limit increase after you’ve had the card for at least 12 months.
First Access may offer a credit limit increase after the first year, if your account is in good standing.
The credit limit increase will not take effect automatically. You must first accept the offer and agree to pay a credit limit increase fee.
The First Access Card credit limit increase fee is equal to 20% of the increase amount. For example, if your credit limit is increased by $100, you will be charged a $20 fee, which will leave you with $80 in additional available credit on your account. Once you accept a credit limit increase offer, the fee is added to your total balance.

To improve your chances of getting a higher credit line for the First Access Card, make on-time payments and keep your balance well under your current spending limit. For more tips, check out WalletHub’s guide on how to increase your credit limit.

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Can I use my First Access Visa anywhere?

You can use the First Access Visa card pretty much anywhere that takes Visa. Since it's on a major card network, you've got millions of places to choose from.

What credit score is needed for an unsecured credit card?

You need a credit score of 550 or higher to get an unsecured credit card. The higher your credit score is, the more unsecured credit card offers will be available and the better your chances of getting approved will be.

Best Unsecured Credit Cards for a 550 Credit Score

Cash Back: Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
No Monthly Fees: OppFi® CardOppFi® CardLearn MoreLearn More
No Minimum Credit Score: Milestone® Mastercard® - Less Than Perfect Credit ConsideredMilestone® Mastercard® - Less Than Perfect Credit ConsideredLearn MoreLearn Moreon issuer's website
Rates & FeesHigh Approval Odds: Total Visa® CardTotal Visa® CardLearn MoreLearn Moreon issuer's website
No Upfront Fees: Indigo® Mastercard® for Less than Perfect CreditIndigo® Mastercard® for Less than Perfect CreditLearn MoreLearn Moreon issuer's website
No Checking Account Needed: Fingerhut Credit AccountFingerhut Credit AccountLearn MoreLearn More

... read full answer

What to Do if Your Credit Score is Below 550

If your credit score is below the 550 threshold needed to get a good unsecured card, you’d be much better off applying for a secured card such as the Capital One Quicksilver Secured Cash Rewards Credit Card or the OpenSky® Secured Visa® Credit Card. They’re easier to get than unsecured cards because you’re putting up your own money, typically a minimum deposit of $200, to secure the account.

For people with bad credit who are set on getting an unsecured card, remember that unsecured credit cards for bad credit do not require a security deposit to open an account. As such, they typically come with low credit limits, high fees and high interest rates.

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What bank does First Access Card use?

The First Access Visa® Card uses The Bank of Missouri, an FDIC-insured bank founded in 1891 and headquartered in Perryville, Missouri. The Bank of Missouri also issues the Total Visa® Card and Milestone® Mastercard® - Less Than Perfect Credit Considered.

The First Access Card card is intended for applicants with bad credit. Its key feature is that it offers an unsecured credit limit with no security deposit needed. The annual fee is $75 1st yr, $48 after.... read full answer

This card has a WalletHub editor's rating of 1/5. More details can be found in our full First Access Card card review.

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